Job Description

As Product Owner for regulated payment schemes (CHAPS, SEPA, FPS, BACS), you will be responsible for defining and delivering product capabilities that enable secure, compliant, and efficient processing of domestic and cross-border payments. You will lead the product strategy and roadmap for payment orchestration, scheme integration, and transaction lifecycle management, ensuring alignment with regulatory standards and business objectives.Hybrid working:The places that you work from day to day will vary according to your role, your needs, and those of the business; it will be a blend of Company offices, client sites, and your home; noting that you will be unable to work at home 100% of the time.Your Role:Product Strategy & OwnershipDefine and own the product vision and roadmap for CHAPS, SEPA, FPS, and BACS payment flows.Translate regulatory and business requirements into actionable product features.Align product goals with enterprise architecture and Payment Acceptance strategy.Backlog Management & DeliveryPrioritise and manage the product backlog across multiple agile delivery teams.Write clear user stories and acceptance criteria for payment scheme integrations, transaction processing, and exception handling.Drive sprint planning, backlog grooming, and release coordination.Stakeholder EngagementCollaborate with internal stakeholders including Compliance, Operations, Engineering, Treasury, and Risk.Engage with external scheme operators, clearing houses, and banking partners to ensure seamless integration and compliance.Communicate product progress, risks, and dependencies to senior leadership.Domain ExpertiseDevelop deep understanding of payment scheme rules, settlement cycles, and message formats (e.g., ISO 20022).Monitor regulatory changes and industry developments affecting domestic and cross-border payments.Ensure product compliance with FCA, PSD2, SWIFT, and scheme-specific mandates.